The fires continued to burn in various places, and more than 10 property insurance companies estimated the insured amount of nearly 30 billion yuan (file photo)
[Reporter Li Lianghui/Taipei Report]In the past week, fires have been reported all over Taiwan, from the warehouse logistics industry, chemical plants, power plants, golf factories, all the way to today’s textile factories. The industry’s initial estimate of the overall insured amount is likely to be nearly 30 billion. Yuan, involving more than 10 property insurance companies. Although the actual loss amounts of the affected factories have not yet been released, and the insurance policies are all issued by co-insurance and international reinsurance is used to diversify risks, the demand for claims settlement by the property and casualty insurance industry this year is bound to increase significantly compared with last year.
Following the fire in the warehouse of Carrefour Logistics Center yesterday (14th), a fire alarm was reported in Taoyuan Young Lion Industrial Zone this morning. In the morning, a fire also broke out in Hongyuan Xingye, a well-known garment factory in Tainan. After the fire, the 7th large-scale fire incident occurred in the past week. During the fire, there were also fires in “Yongguang Chemical Guanyin No. 3 Plant”, “Xintao Power Plant” and “Yurong Golf Plant”.
Property and casualty insurance companies pointed out that although there are many fires in various factories every year, because of scattered occurrences, there will be no special feeling. In comparison, there have been several large-scale fires in the past week. Because of the intensive occurrence, it really feels “a little bit more”.
Property insurers pointed out that fire is the most common risk in business operations, so factories and workshops will be insured with commercial fire insurance, which will also be subdivided according to needs. There will be additional protection for business interruption and business closure losses, mainly for various losses caused by fires caused by scattered operators.
Property insurance companies pointed out that the amount of insurance in the recent fire is the largest in Xintao Power Plant in Hsinchu County, with an initial estimated insurance amount of more than 16 billion yuan. The case was jointly insured by as many as 10 property insurance companies, and the major well-known property insurance companies on the table. Almost all business operators participate, and each business operator bears 30% or as little as 2%, sharing the risk together.
As for the Carrefour logistics center, which is known as “Asia’s most advanced warehouse”, the insurance is planned by the French parent company globally, and Taiwan entrusts Fubon Property Insurance to issue the insurance. In addition, the three property insurance companies jointly share the insured amount of nearly 900 million yuan.
In addition, there are cases where the insured amount is between 1 billion and 3 billion yuan, as well as Yurong Golf Factory and Meifu Warehouse. Property insurance companies pointed out that different insurance companies have different insurance plans due to different needs. For example, warehousing companies store customers’ commodities , may insure commercial comprehensive liability insurance, in addition to the basic fire insurance protection, there is also the property loss of customers due to accidents in the process of providing services; as for the high unit price of goods in the golf factory, cargo insurance will also be insured, which will make the overall The sum assured is high and the premium is also high.
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